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    						<h1>
    							<p><strong>Terms of Service</strong></p>
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    							<p>Last updated: February 25th, 2021</p>
    							<p>PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY CLICKING THE &quot;CREATE ACCOUNT&quot; BUTTON OR BY
    								ACCESSING OR USING THE SERVICES, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS OF SERVICE AND ALL TERMS
    								INCORPORATED BY REFERENCE.</p>
    							<p> </p>
    							<h2><strong>Summary of Terms of Service</strong></h2>
    							<p>This summary of our Terms of Service offers you an overview of the key terms that apply to your use of
    								our website and trading services. While we hope this summary section is helpful, you should read the complete Terms of Service below since they provide
    								important information about how our services work. Please note that we refer to our online service where
    								you can execute trades as &quot;<strong>QtGlobal</strong>&quot;.</p>
    							<p>QtGlobal provides you with a platform that matches your trades with open orders from other users of our
    								services at your direction. Users are not able to predetermine a trade with a particular user or with a
    								particular account. Additionally, an order may be partially filled or may be filled by multiple matching
    								orders.</p>
    							<ul>
    								<li>
    									<h3>Our Services</h3>
    									<p>QtGlobal provides you with a simple and convenient way to trade legal tender (such as U.S. dollars and
    										Euros) for digital assets (such as bitcoins and ripples) and vice versa, and to trade one type of
    										digital asset for another type of digital asset. You may also use our Services to purchase and sell
    										digital assets directly from and to us. Our services do not provide users with the ability to trade one
    										form of legal tender for another form of legal tender. Additionally, the range of services available to
    										you will depend in part upon the country or U.S. state from which you access QtGlobal.</p>
    								</li>
    								<li>
    									<h3>Eligibility and Acceptable Use</h3>
    									<p>You must meet certain eligibility criteria to use
    										QtGlobal. For instance, you must be an adult and there are certain locations from which you may not be
    										able to use some or all of QtGlobal. Additionally, there are certain things you cannot do when using
    										QtGlobal, such as engage in illegal activities, lie, or do anything that would cause damage to our
    										services or systems. Please see the acceptable use section for
    										more details.</p>
    								</li>
    								<li>
    									<h3>Trading Risks</h3>
    									<p>Engaging in any trade can be financially risky, and there can be higher financial risks if you engage
    										in any margin transactions, use any other
    										sophisticated trading options, or trade in
    										digital assets that are subject to volatile market price movements. Please don&#x27;t use QtGlobal if you
    										do not understand these risks and <strong>enter
    											into trades only when you understand the trading option you are using, the characteristics of the
    											digital asset you intend to trade, and the potential financial risk of loss</strong> trading them
    										entails.</p>
    								</li>
    								<li>
    									<h3>Other Important Legal Terms</h3>
    									<p>There are important legal terms provided below in the complete Terms of Service, including your indemnification responsibilities, our limitation of liability and warranty
    											disclaimers, and your agreement to arbitrate most
    										disputes. Please take the time to read these terms carefully. You can always contact us through support
    										if you have any questions at http://www.qtglobal.net.</p>
    								</li>
    							</ul>
    							<p> </p>
    							<ol>
    								<li>
    									<h2 id="#complete-tos">Complete Terms of Service</h2>
    									<p>These Terms of Service and any terms expressly incorporated herein (&quot;<strong>Terms</strong>&quot;)
    										apply to your access to and use of the websites and mobile applications provided by Payward, Inc. and
    										its wholly owned subsidiaries (collectively, &quot;<strong>Payward</strong>&quot;, &quot;<strong>QtGlobal</strong>&quot;,
    										&quot;<strong>we</strong>&quot;, or &quot;<strong>us</strong>&quot;), and the trading and direct sale
    										services provided by Payward as described in these Terms (collectively, our &quot;<strong>Services</strong>&quot;).</p>
    									<ul>
    										<li>
    											<h3>Key Definitions</h3>
    											<p>Capitalized terms not otherwise defined in these Terms will have the following meaning:</p>
    											<ol>
    												<li>
    													<p>&quot;External Account&quot; means any Financial Account or Digital Asset Account: (i) from which
    														you may load Funds into your QtGlobal Account, and (ii) to which you may transfer Funds from your
    														QtGlobal Account.</p>
    												</li>
    												<li>
    													<p>&quot;Financial Account&quot; means any financial account of which you are the beneficial owner
    														that is maintained by a third party outside of the Services, including, but not limited to
    														third-party payment service accounts or accounts maintained by third party financial institutions.</p>
    												</li>
    												<li>
    													<p>&quot;Funds&quot; means Digital Asset and/or Legal Tender.</p>
    												</li>
    												<li>
    													<p>&quot;Legal Tender&quot; means any national currency, such as U.S. dollars, that may be used in
    														connection with a purchase or sale of Digital Assets via the Services, and does not include any
    														Digital Asset.</p>
    												</li>
    												<li>
    													<p>&quot;QtGlobal Account&quot; means a user account accessible via the Services where Funds may be
    														stored by Payward on behalf of a user.</p>
    												</li>
    												<li>
    													<p>&quot;Digital Asset&quot; means bitcoins, ripples and other digital assets that may be purchased,
    														sold or traded via the Services.</p>
    												</li>
    												<li>
    													<p>&quot;Digital Asset Account&quot; means any Digital Asset address or account owned, controlled or
    														operated by you that is maintained outside of the Services, and is not owned, controlled or
    														operated by Payward.</p>
    												</li>
    											</ol>
    										</li>
    									</ul>
    								</li>
    								<li>
    									<h3 id="eligibility">Eligibility</h3>
    									<p>Payward may not make the Services available in all markets and jurisdictions, and may restrict or
    										prohibit use of the Services from certain U.S. states or foreign jurisdictions (&quot;Restricted
    										Locations&quot;). If you are registering to use the Services on behalf of a legal entity, you represent
    										and warrant that (i) such legal entity is duly organized and validly existing under the applicable laws
    										of the jurisdiction of its organization; and (ii) you are duly authorized by such legal entity to act
    										on its behalf.</p>
    									<p>You further represent and warrant that you: (a) are of legal age to form a binding contract (at least
    										18 years old in the U.S.); (b) have not previously been suspended or removed from using our Services;
    										(c) have full power and authority to enter into this agreement and in doing so will not violate any
    										other agreement to which you are a party; (d) are not located in, under the control of, or a national
    										or resident of (i) any Restricted Locations, or (ii) any country to which the United States has
    										embargoed goods or services; (e) are not identified as a &quot;Specially Designated National;&quot; (f)
    										are not placed on the Commerce Department’s Denied Persons List; and (g) will not use our Services if
    										any applicable laws in your country prohibit you from doing so in accordance with these Terms.</p>
    								</li>
    								<li>
    									<h3>QtGlobal Account</h3>
    									<ol>
    										<li>
    											<p>Number of QtGlobal Accounts. Payward may, in its sole discretion, limit the number of QtGlobal Accounts
    												that you may hold, maintain or acquire.</p>
    										</li>
    										<li>
    											<p>QtGlobal Account information and security. In order to engage in any trades via the Services, you
    												must create a QtGlobal Account and provide any requested information. When you create a QtGlobal Account,
    												you agree to: (a) create a strong password that you do not use for any other website or online
    												service; (b) provide accurate and truthful information; (c) maintain and promptly update your QtGlobal
    												Account information; (d) maintain the security of your QtGlobal Account by protecting your password and
    												restricting access to your QtGlobal Account; (e) promptly notify us if you discover or otherwise
    												suspect any security breaches related to your QtGlobal Account; and (f) take responsibility for all
    												activities that occur under your QtGlobal Account and accept all risks of any authorized or
    												unauthorized access to your QtGlobal Account, to the maximum extent permitted by law.</p>
    										</li>
    									</ol>
    								</li>
    								<li>
    									<h3>Privacy Policy</h3>
    									<p>Please refer to our Privacy Policy for
    										information about how we collect, use and share your information.</p>
    								</li>
    								<li>
    									<h3>General Obligations</h3>
    									<p>This Section 5 applies to: (i) all trades completed via the Services, (ii) your purchase and/or sale
    										of Digital Assets directly from Payward via the Services, and (iii) any transaction in which you load
    										Funds into your QtGlobal Account from your External Account or transfer Funds from your QtGlobal Account
    										into an External Account.</p>
    									<ol>
    										<li>
    											<p><strong>Conditions and Restrictions.</strong> We may, at any time and in our sole discretion,
    												refuse any trade submitted via the Services, impose limits on the trade amount permitted via the
    												Services or impose any other conditions or restrictions upon your use of the Services for funding
    												your QtGlobal Account or for trading without prior notice. For example, we may limit the number of open
    												orders that you may establish via the Services or we may restrict trades from certain locations.</p>
    										</li>
    										<li>
    											<p><strong>Accuracy of Information.</strong> You must provide any information required when creating a
    												QtGlobal Account or when prompted by any screen displayed within the Services. You represent and
    												warrant that any information you provide via the Services is accurate and complete.</p>
    										</li>
    										<li>
    											<p><strong>Cancellations.</strong> You may only cancel an order initiated via the Services if such
    												cancellation occurs before Payward executes the transaction. <strong>Once your order has been
    													executed, you may not change, withdraw or cancel your authorization for Payward to complete such
    													transaction.</strong> If an order has been partially filled, you may cancel the unfilled remainder
    												unless the order relates to a market trade. We reserve the right to refuse any cancellation request
    												associated with a market order once you have submitted such order. <strong>In contrast to exchange
    													orders, all trades are irreversible once initiated. </strong>While we may, at our sole discretion,
    												reverse a trade under certain extraordinary conditions, a customer does not have a right to a
    												reversal of a trade.</p>
    										</li>
    										<li>
    											<p><strong>Insufficient Funds.</strong> If you have an insufficient amount of Funds in your QtGlobal
    												Account to complete an order via the Services, we may cancel the entire order or may fulfill a
    												partial order using the amount of Funds currently available in your QtGlobal Account, less any fees
    												owed to Payward in connection with our execution of the trade (as described in Section 9).</p>
    										</li>
    										<li>
    											<p><strong>Taxes.</strong> It is your responsibility to determine what, if any, taxes apply to the
    												trades you complete via the Services, and it is your responsibility to report and remit the correct
    												tax to the appropriate tax authority. You agree that Payward is not responsible for determining
    												whether taxes apply to your trades or for collecting, reporting, withholding or remitting any taxes
    												arising from any trades.</p>
    										</li>
    									</ol>
    								</li>
    								<li>
    									<h3>QtGlobal Account Funds</h3>
    									<ol>
    										<li>
    											<p><strong>Funding your QtGlobal Account.</strong> In order to complete an order or trade via the
    												Services (as described in Section 7), you must first load Funds to your QtGlobal Account using one of
    												the approved External Accounts identified via the Services. You may be required to verify that you
    												control the External Account that you use to load Funds to your QtGlobal Account. As further described
    												in Section 9, you may be charged fees by the External Account you use to fund your QtGlobal Account.
    												Payward is not responsible for any External Account fees or for the management and security of any
    												External Account. You are solely responsible for your use of any External Account, and you agree to
    												comply with all terms and conditions applicable to any External Account. The timing associated with a
    												load transaction will depend in part upon the performance of third parties responsible for
    												maintaining the applicable External Account, and Payward makes no guarantee regarding the amount of
    												time it may take to load Funds into your QtGlobal Account. <br />
    												<strong>About Funds Held In Your QtGlobal Account</strong> - Be advised that fiat funds held in your
    												QtGlobal account are exclusively for the purchase of Digital Assets or withdrawal to your approved
    												External Account. Proceeds from the sale of Digital Assets will be credited to your fiat account,
    												less any transactional or other fees. Furthermore, be advised that QtGlobal does not pay interest on
    												free fiat balances held in your account. <br />
    												<strong>Digital Assets Only Accounts</strong> - If you have opened a QtGlobal Account designated as
    												Digital Assets Only, you may only fund your account with digital assets. QtGlobal will not accept fiat
    												to fund a Digital Assets Only Account. If fiat is transmitted to fund such an account, it will be
    												returned to the sender, less applicable transfer fees.</p>
    										</li>
    										<li>
    											<p><strong>Transferring Funds to an External Account.</strong> Provided that the balance of Funds in
    												your QtGlobal Account is greater than any minimum balance requirements needed to satisfy any of your
    												open positions, and subject to the restrictions set forth in Section 7.8, you may transfer any amount
    												of Funds, up to the total amount of Funds in your QtGlobal Account in excess of such minimum balance
    												requirements, from your QtGlobal Account to an External Account, less any fees charged by Payward for
    												such transactions (as described in the Fee
    													Schedule at the time of your request to transfer Funds to an External Account).</p>
    										</li>
    										<li>
    											<p><strong>Load/Transfer Authorization.</strong> When you request that we load Funds into your QtGlobal
    												Account from your External Account or request that we transfer Funds to your External Account from
    												your QtGlobal Account, you authorize Payward to execute such transaction via the Services.</p>
    										</li>
    										<li>
    											<p><strong>Rejected Transactions.</strong> In some cases, the External  Account  may  reject  your
    												 Funds  or may otherwise be unavailable to receive your Funds.  You  agree  that  you  will  not
    												 hold Payward liable for any damages resulting from such rejected transactions.</p>
    										</li>
    									</ol>
    								</li>
    								<li>
    									<h3>Exchange Orders and Trades</h3>
    									<p>This Section applies only when you use the Services to trade Digital Assets for Legal Tender or vice
    										versa, or to trade Digital Assets for another form of Digital Assets. Payward does not purchase, sell,
    										or exchange any Digital Assets on its own behalf, except for trades conducted on behalf of German users
    										where Payward fulfills each order on a spot basis as the counterparty to both sides of the transaction.</p>
    									<ol>
    										<li>
    											<p><strong>Authorization.</strong> When you submit a new order via the Services, you authorize Payward
    												to execute a transaction in accordance with such order on a spot basis and charge you any applicable
    												fees (as described in Section 10).</p>
    										</li>
    										<li>
    											<p><strong>Independent relationship.</strong> You acknowledge and agree that: (a) Payward is not
    												acting as your broker, intermediary, agent, or advisor or in any fiduciary capacity, and (b) no
    												communication or information provided to you by Payward shall be considered or construed as advice.</p>
    										</li>
    										<li>
    											<p><strong>Trade confirmation.</strong> Once the Services execute your trade, a confirmation will be
    												electronically made available via the Services detailing the particulars of the trade. You
    												acknowledge and agree that the failure of the Services to provide such confirmation shall not
    												prejudice or invalidate the terms of such trade.</p>
    										</li>
    										<li>
    											<p id="trading-options"><strong>Trade options.</strong> Please refer to the Trading
    													Guide, for information about the terminology used in connection with the trading options made
    												available via the Services. If you do not understand the meaning of any trade option, we strongly
    												encourage you not to utilize any of those options.</p>
    										</li>
    										<li>
    											<p><strong>Market rates.</strong> If you select a market trade, Payward will attempt, on a
    												commercially reasonable basis, to execute the trade on or close to the prevailing market exchange
    												rate, as defined via the Services. You acknowledge and agree that the exchange rate information made
    												available via our Services may differ from prevailing exchange rates made available via other sources
    												outside of the Services.</p>
    										</li>
    										<li>
    											<p><strong>Market volatility.</strong> Particularly during periods of high volume, illiquidity, fast
    												movement or volatility in the marketplace for any Digital Assets or Legal Tender, the actual market
    												rate at which a market order or trade is executed may be different from the prevailing rate indicated
    												via the Services at the time of your order or trade. You understand that we are not liable for any
    												such price fluctuations. In the event of a market disruption or Force Majeure event (as defined in
    												Section 24), Payward may do one or more of the following: (a) suspend access to the Services; or (b)
    												prevent you from completing any actions via the Services, including closing any open positions.
    												Following any such event, when trading resumes, you acknowledge that prevailing market rates may
    												differ significantly from the rates available prior to such event.</p>
    										</li>
    										<li>
    											<p><strong>Trade Settlement.</strong> Subject to the terms and conditions in these Terms, we will use
    												commercially reasonable efforts to settle trades on a spot basis within two (2) days of the date upon
    												which users have agreed to execute a trade via the Services.</p>
    										</li>
    										<li>
    											<p id="margin-trades"><strong>Margin Transactions.</strong></p>
    											<ul>
    												<li>
    													<p>In accordance with and subject to this Section 7.8, as part of the Services you may receive from
    														Payward extensions of margin in the form of Digital Assets or Legal Tender (“margin  transactions”)
    														to use to make spot purchases and sales of Digital Assets on the QtGlobal exchange.</p>
    												</li>
    												<li>
    													<p>You acknowledge, represent, warrant and agree that, prior to receiving an extension of
    														 margin from Payward, you will have read our Margin Disclosure
    															Statement, understand the risks involved with margin transactions, and have determined that
    														purchasing and selling Digital Assets with the use of margin is appropriate for you.</p>
    												</li>
    												<li>
    													<p>Margin transactions on the QtGlobal exchange are made available under the following terms:</p>
    													<ol>
    														<li>
    															<p><em>Margin Account.</em> Payward agrees to establish for your benefit and in your name a
    																platform for you to receive Legal Tender and Digital Assets from Payward to make spot trades
    																through your QtGlobal Account (your “Margin Account”). Your Margin Account is a component of your
    																QtGlobal Account.</p>
    														</li>
    														<li>
    															<p><em>Margin Extensions and Trades.</em></p>
    															<ol>
    																<li>
    																	<p>Subject to the Terms, Payward agrees to provide to you, and you may obtain from and return to
    																		Payward from time to time, Funds to support spot transactions (each such provision of Funds, a
    																		“Margin Extension”). No Margin Extension will occur unless you meet or exceed any minimum
    																		balance requirements imposed by Payward for your Margin Account. Moreover, notwithstanding
    																		anything to the contrary herein, Payward is under no obligation to make any Margin Extensions
    																		to you and may decline a request to initiate a Margin Extension in its sole discretion.</p>
    																</li>
    																<li>
    																	<p>When you use a Margin Extension to effectuate a spot transaction, you are entering into a
    																		spot Digital Asset purchase or sale transaction with one or more third-party trader(s) on the
    																		QtGlobal exchange (each a “Counterparty”). For example, you might use a U.S. dollar Margin
    																		Extension from Payward to buy bitcoin from a Counterparty. In executing such spot transactions,
    																		Payward facilitates the transfer of ownership of the applicable Funds from the Counterparty to
    																		you (such Funds -- e.g., the bitcoin in the preceding example -- “Received Assets”) by
    																		registering you as the owner of the Received Assets on Payward’s internal book-entry system.</p>
    																</li>
    															</ol>
    														</li>
    														<li>
    															<p><em>Received Assets.</em> All Received Assets are custodial assets held by Payward for your
    																benefit, as described in further detail below:</p>
    															<ol>
    																<li>
    																	<p>Ownership. Title to Received Assets shall at all times remain with you and shall not transfer
    																		to Payward, except as provided herein. As the owner of the Received Assets in your QtGlobal
    																		Account, you bear all risk of loss of such Received Assets. None of the Received Assets in your
    																		QtGlobal Account are the property of Payward. Payward does not represent or treat Received Assets
    																		in your QtGlobal Account as belonging to Payward. Except as required by a facially valid court
    																		order, or except as provided herein, Payward will not sell, transfer, loan, hypothecate or
    																		otherwise alienate Received Assets in your QtGlobal Account unless instructed by you or as
    																		otherwise authorized by these Terms. For the avoidance of doubt, and notwithstanding the
    																		foregoing or Section 7.8.2.2, Payward makes no warranty that Digital Assets in your QtGlobal
    																		Account (including Received Assets) are held by you free and clear of any security interest or
    																		other lien or encumbrance.</p>
    																</li>
    																<li>
    																	<p>Control. You control the Received Assets held in your QtGlobal Account. At any time, subject to
    																		outages, downtime, and other applicable policies and the restrictions described in Section
    																		7.8.4, you may withdraw your Received Assets by transferring them to an External Account.</p>
    																</li>
    															</ol>
    														</li>
    														<li>
    															<p><em>Terminating Margin Extensions.</em> To terminate a Margin Extension, you must transfer
    																sufficient Funds from your QtGlobal Account to Payward through the Services. The Funds you use to
    																terminate a Margin Extension must be the same asset type as the denomination of the Margin
    																Extension (for example, you must terminate a bitcoin-denominated Margin Extension by transferring
    																bitcoin from your QtGlobal Account to Payward through the Services). You may terminate a Margin
    																Extension by either: (i) directing immediately available Funds in your QtGlobal Account to Payward;
    																or (ii) selling requisite Collateral Assets (as defined below) or other assets in your QtGlobal
    																Account on the QtGlobal exchange and applying the proceeds to the termination of the corresponding
    																Margin Extension. Prior to satisfying the corresponding Margin Extension pursuant to the
    																preceding sentence, Received Assets and requisite Collateral Assets may not be otherwise
    																transferred to an External Account or traded on the QtGlobal exchange.</p>
    														</li>
    														<li>
    															<p><em>Restrictions on your QtGlobal Account subject to satisfaction of your Margin Extension
    																	obligations.</em></p>
    															<ol>
    																<li>
    																	<p>You agree to maintain in your QtGlobal Account, at all times during the term of a Margin
    																		Extension, a specified minimum amount of Funds approved by Payward to qualify as collateral
    																		(&quot;Collateral Assets&quot;). This minimum amount of Collateral Assets (the
    																		&quot;Maintenance Margin Requirement&quot;). This minimum amount of Collateral Assets (the
    																		“Maintenance Margin Requirement”) will be defined through the Services and you will be notified
    																		of any changes to the Maintenance Margin Requirement prior to those changes taking effect. Such
    																		notice shall indicate the effective date for those changes.</p>
    																</li>
    																<li>
    																	<p>A list of assets approved by Payward to be eligible as Collateral Assets will be defined
    																		through the Services and certain Digital Assets may only be valued as collateral on a
    																		discounted basis. You will be notified of any changes to the list of eligible Collateral Assets
    																		or discounts applied to the valuation thereof prior to those changes taking effect. Such notice
    																		shall indicate the effective date for those changes.</p>
    																</li>
    																<li>
    																	<p>For purposes of calculating your compliance with the Maintenance Margin Requirement, Payward
    																		will calculate (subject to any discounts) the market value of Collateral Assets on a continuous
    																		basis based on the prevailing value of each Digital Asset on one or more Digital Asset
    																		exchanges, including those operated by Payward. Payward has discretion to select Digital Asset
    																		exchanges for purposes of calculating this market value that Payward, in its reasonable
    																		judgment, believes offer a reasonable valuation of a Digital Asset.</p>
    																</li>
    																<li>
    																	<p>You hereby authorize and instruct Payward, in the event the value of your Collateral Assets
    																		falls below the Maintenance Margin Requirement, to, without further notice to you: (a) place a
    																		market order on the QtGlobal exchange, on your behalf, to sell your Received Assets and apply the
    																		proceeds towards terminating your Margin Extension(s); and/or (b) liquidate such other Funds in
    																		your account in the manner and amount practicable, in Payward’s reasonable discretion, to
    																		terminate the Margin Extension either in full, or in an amount sufficient, in Payward’s
    																		reasonable discretion, to restore the value of your Collateral Assets to an amount equal to or
    																		exceeding the Maintenance Margin Requirement.</p>
    																</li>
    															</ol>
    														</li>
    														<li>
    															<p><em>Margin Obligation Period.</em> If you are located in or a national or resident of the
    																United States, each separate Margin Extension under these Terms is due and must be terminated on
    																or before the 28th day after the Margin Extension is made; in all other cases, each separate
    																Margin Extension under these Terms is due and must be terminated on or before the 365th day after
    																the Margin Extension is made (each such 28- or 365-day period, as applicable, the “Margin
    																Obligation Period”). The Margin Obligation Period is fixed and cannot be extended. We are not
    																required to contact you prior to the expiration of the Margin Obligation Period. You hereby
    																authorize and instruct Payward, in the event you do not terminate your Margin Extension in full
    																prior to the expiration of the Margin Obligation Period, to, without further notice to you: (a)
    																place a market order on the QtGlobal exchange, on your behalf, to sell your Received Assets and
    																apply the proceeds to the termination of the Margin Extension; and/or (b) liquidate such other
    																Funds in your account, in the manner and amount practicable, in Payward’s reasonable discretion,
    																to terminate the Margin Extension in full.</p>
    														</li>
    														<li>
    															<p><em>Payment of Fees; Default.</em></p>
    															<ol>
    																<li>
    																	<p>Fees charged on and in connection with any Margin Extension shall be at the applicable rates
    																		and methods of computation specified in the Fee
    																			Schedule (the “Margin Fees”). If at any time and for any reason, the Margin Fees on any
    																		Margin Extension made under these Terms exceeds the maximum rates permitted to be charged by
    																		Payward to you under applicable law, the parties hereto agree that the Margin Fees shall be
    																		reduced automatically to the maximum rates permitted to be charged under applicable law.</p>
    																</li>
    																<li>
    																	<p>Upon your failure to satisfy the Maintenance Margin Requirement, to make any payment of fees,
    																		including Margin Fees, when due or to terminate a Margin Extension when required, or upon
    																		otherwise materially breaching this Section 7.8, your Margin Extensions shall be immediately
    																		due and must be terminated (and any accrued and unpaid fees thereon and any fees and costs of
    																		collection must be paid) and, to the extent permitted by applicable law and in addition to any
    																		other remedies available to it, Payward, in its sole discretion, may apply the proceeds from
    																		the sale of any Digital Assets in your Margin Account, whether such Digital Assets are
    																		considered Collateral Assets as defined in the Terms or not, first to the payment of any
    																		outstanding fees, commissions, charges or other expenses then due to Payward, and then to the
    																		termination of your Margin Extensions. If your QtGlobal Account balance becomes negative, you
    																		agree to pay the amount of Funds owed to Payward within 48 hours. You may not trade on a
    																		negative QtGlobal Account.</p>
    																</li>
    															</ol>
    														</li>
    													</ol>
    												</li>
    											</ul>
    										</li>
    									</ol>
    								</li>
    								<li>
    									<h3 id="risk-disclosure">Risk Disclosure</h3>
    									<ol>
    										<li>
    											<p><strong>Trading risks.</strong> You acknowledge and agree that you shall access and use the
    												Services at your own risk. The risk of loss in trading Digital Asset pairs and Digital Asset and
    												Legal Tender pairs can be substantial. You should, therefore, carefully consider whether such trading
    												is suitable for you in light of your circumstances and financial resources. You should be aware of
    												the following points:</p>
    											<ol>
    												<li>
    													<p>You may sustain a total loss of the Funds in your QtGlobal Account, and, in some cases, you may
    														incur losses beyond such Funds.</p>
    												</li>
    												<li>
    													<p>Under certain market conditions, you may find it difficult or impossible to liquidate a position.
    														This can occur, for example, when the market reaches a daily price fluctuation limit or there is
    														insufficient liquidity in the market.</p>
    												</li>
    												<li>
    													<p>Placing contingent orders, such as &quot;stop-loss&quot; or &quot;stop-limit&quot; orders, will
    														not necessarily limit your losses to the intended amounts, since market conditions may make it
    														impossible to execute such orders.</p>
    												</li>
    												<li>
    													<p>All Digital Asset positions involve risk, and a &quot;spread&quot; position may not be less risky
    														than an outright &quot;long&quot; or &quot;short&quot; position.</p>
    												</li>
    												<li>
    													<p>The use of leverage can work against you as well as for you and can lead to large losses as well
    														as gains. Refer to our Margin
    															Disclosure Statement for more information about the unique and specific risks involved with
    														margin transactions.<br />
    														<br />
    														ALL OF THE POINTS NOTED ABOVE APPLY TO ALL DIGITAL ASSET PAIR AND DIGITAL ASSET AND LEGAL TENDER
    														PAIR TRADING. THIS BRIEF STATEMENT CANNOT, OF COURSE, DISCLOSE ALL THE RISKS AND OTHER ASPECTS
    														ASSOCIATED WITH THESE TRADES.</p>
    												</li>
    											</ol>
    										</li>
    										<li>
    											<p><strong>Internet transmission risks.</strong> You acknowledge that there are risks associated with
    												utilizing an Internet-based trading system including, but not limited to, the failure of hardware,
    												software, and Internet connections. You acknowledge that Payward shall not be responsible for any
    												communication failures, disruptions, errors, distortions or delays you may experience when trading
    												via the Services, however caused.</p>
    										</li>
    									</ol>
    								</li>
    								<li>
    									<h3>Digital Asset Terms of Sale</h3>
    									<p>This Section applies only when you use the Services to purchase or sell Digital Assets directly from
    										Payward, a service available in limited jurisdictions only.</p>
    									<ol>
    										<li>
    											<p><strong>Prices; Availability.</strong> All prices reflect the exchange rates applicable to the
    												purchase or sale of Digital Assets using the Legal Tender or alternative form of Digital Assets
    												identified in your purchase order. All Digital Asset sales and purchases by Payward are subject to
    												availability, and we reserve the right to discontinue the sale and purchase of Digital Assets without
    												notice.</p>
    										</li>
    										<li>
    											<p><strong>Purchase Quotes.</strong> Prior to completing your purchase or sale of Digital Assets from
    												Payward, we will provide notice of the amount of Digital Assets you intend to purchase or sell and
    												the amount of Funds you will be required to pay to Payward to receive such Digital Assets or Legal
    												Tender. You agree to comply with any terms and conditions provided within such notice to complete
    												your purchase transaction.</p>
    										</li>
    										<li>
    											<p><strong>Errors.</strong> In the event of an error, whether via our Services, in a purchase order
    												confirmation, in processing your purchase, or otherwise, we reserve the right to correct such error
    												and revise your purchase transaction accordingly (including charging the correct price) or to cancel
    												the purchase and refund any amount received. Your sole remedy in the event of an error is to cancel
    												your purchase order and obtain a refund of any amount charged.</p>
    										</li>
    										<li>
    											<p><strong>Payment Method.</strong> Only valid payment methods specified by us may be used to purchase
    												Digital Assets. By placing an order to purchase Digital Assets from Payward, you represent and
    												warrant that (a) you are authorized to use the designated payment method and (b) you authorize us, or
    												our payment processor, to charge your designated payment method. If the payment method you designate
    												cannot be verified, is invalid or is otherwise not acceptable, your purchase order may be suspended
    												or cancelled automatically. You agree to resolve any problems we encounter in order to proceed with
    												your purchase order.</p>
    										</li>
    										<li>
    											<p><strong>No Returns or Refunds.</strong> All sales and purchases of Digital Assets by Payward via
    												the Services are final. We do not accept any returns or provide refunds for your purchase of Digital
    												Assets from Payward, except as otherwise provided in these Terms.</p>
    										</li>
    									</ol>
    								</li>
    								<li>
    									<h3>Fees</h3>
    									<ol>
    										<li>
    											<p><strong>Amount of Fees.</strong> In addition to the fees specified in Section 7.8.7, you agree to
    												pay Payward the fees for trades completed via our Services (&quot;<strong>Fees</strong>&quot;) as
    												made available via the Fees and Pair Info (&quot;<strong>Fee
    													Schedule</strong>&quot;), which we may change from time to time. Changes to the Fee Schedule are
    												effective as of the effective date indicated in the posting of the revised Fee Schedule to the
    												Services, and will apply prospectively to any trades that take place following the effective date of
    												such revised Fee Schedule.</p>
    										</li>
    										<li>
    											<p><strong>Third-Party Fees.</strong> In addition to the Fees, your External Account may impose fees
    												in connection with your use of your designated External Account via the Services. Any fees imposed by
    												your External Account provider will not be reflected on the transaction screens containing
    												information regarding applicable Fees. You are solely responsible for paying any fees imposed by an
    												External Account provider.</p>
    										</li>
    										<li>
    											<p><strong>Payment of Fees.</strong> You authorize us, or our designated payment processor, to charge
    												or deduct your QtGlobal Account Funds for any applicable Fees owed in connection with trades you
    												complete via the Services.</p>
    										</li>
    										<li>
    											<p><strong>Collection-Related Costs.</strong> If you fail to pay Fees or any other amounts owed to
    												Payward under these Terms and Payward refers your account(s) to a third party for collection, then
    												Payward will charge you the lesser of an 18% collection fee or the maximum percentage permitted by
    												applicable law, to cover Payward&#x27;s collection-related costs.</p>
    										</li>
    									</ol>
    								</li>
    								<li>
    									<h3>Electronic Notices</h3>
    									<ol>
    										<li>
    											<p><strong>Consent to Electronic Delivery.</strong> You agree and consent to receive electronically
    												all communications, agreements, documents, receipts, notices and disclosures (collectively, &quot;<strong>Communications</strong>&quot;)
    												that Payward provides in connection with your QtGlobal Account and/or use of the Payward Services. You
    												agree that Payward may provide these Communications to you by posting them via the Services, by
    												emailing them to you at the email address you provide, and/or by sending an SMS or text message to a
    												mobile phone number that you provide. Your carrier&#x27;s normal, messaging, data and other rates and
    												fees may apply to any mobile Communications. You should maintain copies of electronic Communications
    												by printing a paper copy or saving an electronic copy. You may also contact us through support http://www.qtglobal.net</a> to
    												request additional electronic copies of Communications or, for a fee, paper copies of Communications
    												(as described below).</p>
    										</li>
    										<li>
    											<p><strong>Hardware and Software Requirements.</strong> In order to access and retain electronic
    												Communications, you will need a computer with an Internet connection that has a current web browser
    												with cookies enabled and 128-bit encryption. You will also need to have a valid email address on file
    												with Payward and have sufficient storage space to save past Communications or an installed printer to
    												print them.</p>
    										</li>
    										<li>
    											<p><strong>Withdrawal of Consent.</strong> You may withdraw your consent to receive electronic
    												Communications by sending a withdrawal notice to support http://www.qtglobal.net.
    												If you decline or withdraw consent to receive electronic Communications, Payward may suspend or
    												terminate your use of the Services. Unsubscribe requests submitted here
    												may take up to 10 business days to process.</p>
    										</li>
    										<li>
    											<p><strong>Requesting Paper Copies.</strong> If, after you consent to receive Communications
    												electronically, you would like a paper copy of a Communication we previously sent you, you may
    												request a copy within 30 days after the date we provided the Communication to you by contacting
    												support http://www.qtglobal.net.
    												In order for us to send paper copies to you, you must have a current street address on file with
    												Payward. Please note that QtGlobal operates exclusively online and it is very burdensome for us to
    												produce paper copies of Communications. Therefore, if you request paper copies, you understand and
    												agree that Payward may charge you a processing fee, in the amount described in the Fee Schedule, for each page of Communication requested.</p>
    										</li>
    										<li>
    											<p><strong>Updating Contact Information.</strong> It is your responsibility to keep your email address
    												and/or mobile phone number on file with Payward up to date so that Payward can communicate with you
    												electronically. You understand and agree that if Payward sends you an electronic Communication but
    												you do not receive it because your email address or mobile phone number on file is incorrect, out of
    												date, blocked by your service provider, or you are otherwise unable to receive electronic
    												Communications, Payward will be deemed to have provided the Communication to you. Please note that if
    												you use a spam filter that blocks or re-routes emails from senders not listed in your email address
    												book, you must add Payward to your email address book so that you will be able to receive the
    												Communications we send to you. You can update your email address, mobile phone number or street
    												address at any time by logging into your QtGlobal Account or by sending such information to support http://www.qtglobal.net.
    												If your email address or mobile phone number becomes invalid such that electronic Communications sent
    												to you by Payward are returned, Payward may deem your account to be inactive, and you may not be able
    												to complete any transaction via our Services until we receive a valid, working email address or
    												mobile phone number from you.</p>
    										</li>
    									</ol>
    								</li>
    								<li>
    									<h3>Unclaimed Property</h3>
    									<p>If for any reason Payward is holding Funds in your QtGlobal Account on your behalf, and Payward is
    										unable to return your Funds to your designated External Account after a period of inactivity, then
    										Payward may report and remit such Funds in accordance with applicable state unclaimed property laws.</p>
    								</li>
    								<li>
    									<h3 id="aup">ACCEPTABLE USE</h3>
    									<p>When accessing or using the Services, you agree that you will not violate any law, contract,
    										intellectual property or other third-party right or commit a tort, and that you are solely responsible
    										for your conduct while using our Services. Without limiting the generality of the foregoing, you agree
    										that you will not:</p>
    									<ul>
    										<li>
    											<p>Use our Services in any manner that could interfere with, disrupt, negatively affect or inhibit
    												other users from fully enjoying our Services, or that could damage, disable, overburden or impair the
    												functioning of our Services in any manner;</p>
    										</li>
    										<li>
    											<p>Use our Services to pay for, support or otherwise engage in any illegal gambling activities; fraud;
    												money-laundering; or terrorist activities; or other illegal activities;</p>
    										</li>
    										<li>
    											<p>Use any robot, spider, crawler, scraper or other automated means or interface not provided by us to
    												access our Services or to extract data;</p>
    										</li>
    										<li>
    											<p>Use or attempt to use another user&#x27;s account without authorization;</p>
    										</li>
    										<li>
    											<p>Attempt to circumvent any content filtering techniques we employ, or attempt to access any service
    												or area of our Services that you are not authorized to access;</p>
    										</li>
    										<li>
    											<p>Develop any third-party applications that interact with our Services without our prior written
    												consent;</p>
    										</li>
    										<li>
    											<p>Provide false, inaccurate, or misleading information; and</p>
    										</li>
    										<li>
    											<p>Encourage or induce any third party to engage in any of the activities prohibited under this
    												Section.</p>
    										</li>
    									</ul>
    								</li>
    								<li>
    									<h3>Feedback</h3>
    									<p>We will own exclusive rights, including all intellectual property rights, to any feedback,
    										suggestions, ideas or other information or materials regarding Payward or our Services that you
    										provide, whether by email, posting through our Services or otherwise (&quot;Feedback&quot;). Any
    										Feedback you submit is non-confidential and shall become the sole property of Payward. We will be
    										entitled to the unrestricted use and dissemination of such Feedback for any purpose, commercial or
    										otherwise, without acknowledgment or compensation to you. You waive any rights you may have to the
    										Feedback (including any copyrights or moral rights). Do not send us Feedback if you expect to be paid
    										or want to continue to own or claim rights in them; your idea might be great, but we may have already
    										had the same or a similar idea and we do not want disputes. We also have the right to disclose your
    										identity to any third party who is claiming that any content posted by you constitutes a violation of
    										their intellectual property rights, or of their right to privacy. We have the right to remove any
    										posting you make on our website if, in our opinion, your post does not comply with the content
    										standards set out in this section.</p>
    								</li>
    								<li>
    									<h3>Copyrights and Other Intellectual Property Rights</h3>
    									<p>Unless otherwise indicated by us, all copyright and other intellectual property rights in all content
    										and other materials contained on our website or provided in connection with the Services, including,
    										without limitation, the Payward or QtGlobal logo and all designs, text, graphics, pictures, information,
    										data, software, sound files, other files and the selection and arrangement thereof (collectively,
    										&quot;<strong>Payward Materials</strong>&quot;) are the proprietary property of Payward or our
    										licensors or suppliers and are protected by U.S. and international copyright laws and other
    										intellectual property rights laws.</p>
    									<p>We hereby grant you a limited, nonexclusive and non-sublicensable license to access and use the
    										Payward Materials for your personal or internal business use. Such license is subject to these Terms
    										and does not permit (a) any resale of the Payward Materials; (b) the distribution, public performance
    										or public display of any Payward Materials; (c) modifying or otherwise making any derivative uses of
    										the Payward Materials, or any portion thereof; or (d) any use of the Payward Materials other than for
    										their intended purposes. The license granted under this Section will automatically terminate if we
    										suspend or terminate your access to the Services.</p>
    								</li>
    								<li>
    									<h3>Trademarks</h3>
    									<p>&quot;Payward,&quot; &quot;QtGlobal,&quot; the QtGlobal logo, the Payward logo and any other Payward
    										product or service names, logos or slogans that may appear on our Services are trademarks of Payward,
    										in the United States and in other countries, and may not be copied, imitated or used, in whole or in
    										part, without our prior written permission. You may not use any trademark, product or service name of
    										Payward without our prior written permission, including without limitation any metatags or other
    										&quot;hidden text&quot; utilizing any trademark, product or service name of Payward. In addition, the
    										look and feel of our Services, including all page headers, custom graphics, button icons and scripts,
    										is the service mark, trademark and/or trade dress of Payward and may not be copied, imitated or used,
    										in whole or in part, without our prior written permission. All other trademarks, registered trademarks,
    										product names and company names or logos mentioned through our Services are the property of their
    										respective owners. Reference to any products, services, processes or other information, by name,
    										trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or
    										recommendation by us.</p>
    								</li>
    								<li>
    									<h3>Third-Party Content</h3>
    									<p>In using our Services, you may view content provided by third parties, including links to web pages
    										of such parties, including but not limited to Facebook and Twitter links (&quot;Third-Party
    										Content&quot;). We do not control, endorse or adopt any Third-Party Content and shall have no
    										responsibility for Third-Party Content, including without limitation material that may be misleading,
    										incomplete, erroneous, offensive, indecent or otherwise objectionable. In addition, your business
    										dealings or correspondence with such third parties are solely between you and the third parties. We are
    										not responsible or liable for any loss or damage of any sort incurred as the result of any such
    										dealings, and you understand that your use of Third-Party Content, and your interactions with third
    										parties, is at your own risk.</p>
    								</li>
    								<li>
    									<h3>Suspension; Termination</h3>
    									<p>In the event of any Force Majeure Event (as defined in Section 24.5), breach of these Terms, or any
    										other event that would make provision of the Services commercially unreasonable for Payward, we may, in
    										our discretion and without liability to you, with or without prior notice, suspend your access to all
    										or a portion of our Services. We may terminate your access to the Services in our sole discretion,
    										immediately and without prior notice, and delete or deactivate your QtGlobal Account and all related
    										information and files in such account without liability to you, including, for instance, in the event
    										that you breach any term of these Terms. In the event of termination, Payward will attempt to return
    										any Funds stored in your QtGlobal Account not otherwise owed to Payward, unless Payward believes you have
    										committed fraud, negligence or other misconduct.</p>
    								</li>
    								<li>
    									<h3>Discontinuance of Services</h3>
    									<p>We may, in our sole discretion and without liability to you, with or without prior notice and at any
    										time, modify or discontinue, temporarily or permanently, any portion of our Services.</p>
    								</li>
    								<li>
    									<h3 id="disclaimer-of-warranties">Disclaimer of Warranties</h3>
    									<p>EXCEPT AS EXPRESSLY PROVIDED TO THE CONTRARY IN A WRITING BY US, OUR SERVICES ARE PROVIDED ON AN
    										&quot;AS IS&quot; AND &quot;AS AVAILABLE&quot; BASIS. WE EXPRESSLY DISCLAIM, AND YOU WAIVE, ALL
    										WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES
    										OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT AS TO OUR SERVICES,
    										INCLUDING THE INFORMATION, CONTENT AND MATERIALS CONTAINED THEREIN.</p>
    									<p>YOU ACKNOWLEDGE THAT INFORMATION YOU STORE OR TRANSFER THROUGH OUR SERVICES MAY BECOME IRRETRIEVABLY
    										LOST OR CORRUPTED OR TEMPORARILY UNAVAILABLE DUE TO A VARIETY OF CAUSES, INCLUDING SOFTWARE FAILURES,
    										PROTOCOL CHANGES BY THIRD PARTY PROVIDERS, INTERNET OUTAGES, FORCE MAJEURE EVENT OR OTHER DISASTERS
    										INCLUDING THIRD PARTY DDOS ATTACKS, SCHEDULED OR UNSCHEDULED MAINTENANCE, OR OTHER CAUSES EITHER WITHIN
    										OR OUTSIDE OUR CONTROL. YOU ARE SOLELY RESPONSIBLE FOR BACKING UP AND MAINTAINING DUPLICATE COPIES OF
    										ANY INFORMATION YOU STORE OR TRANSFER THROUGH OUR SERVICES.</p>
    									<p>Some jurisdictions do not allow the disclaimer of implied terms in contracts with consumers, so some
    										or all of the disclaimers in this section may not apply to you.</p>
    								</li>
    								<li>
    									<h3 id="limitation-of-liability">Limitation of Liability</h3>
    									<p>(a) EXCEPT AS OTHERWISE REQUIRED BY LAW, IN NO EVENT SHALL PAYWARD, OUR DIRECTORS, MEMBERS, EMPLOYEES
    										OR AGENTS BE LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY
    										KIND, INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF PROFITS OR LOSS OF DATA, WHETHER IN AN ACTION
    										IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR IN ANY WAY
    										CONNECTED WITH THE USE OF OR INABILITY TO USE OUR SERVICES OR THE PAYWARD MATERIALS, INCLUDING WITHOUT
    										LIMITATION ANY DAMAGES CAUSED BY OR RESULTING FROM RELIANCE BY ANY USER ON ANY INFORMATION OBTAINED
    										FROM PAYWARD, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAIL,
    										ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR
    										NOT RESULTING FROM A FORCE MAJEURE EVENT, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED
    										ACCESS TO PAYWARD&#x27;S RECORDS, PROGRAMS OR SERVICES.<br />
    										<br />
    										Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of
    										liability for incidental or consequential damages. Accordingly, some of the limitations of this section
    										may not apply to you.<br />
    										<br />
    										(b) TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE AGGREGATE LIABILITY OF
    										PAYWARD (INCLUDING OUR DIRECTORS, MEMBERS, EMPLOYEES AND AGENTS), WHETHER IN CONTRACT, WARRANTY, TORT
    										(INCLUDING NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY, STRICT LIABILITY OR
    										OTHER THEORY, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, PAYWARD OR TO THESE TERMS
    										EXCEED THE FEES PAID BY YOU TO PAYWARD DURING THE 12 MONTHS IMMEDIATELY PRECEDING THE DATE OF ANY CLAIM
    										GIVING RISE TO SUCH LIABILITY.</p>
    								</li>
    								<li>
    									<h3 id="indemnity">Indemnity</h3>
    									<p>You agree to defend, indemnify and hold harmless Payward (and each of our officers, directors,
    										members, employees, agents and affiliates) from any claim, demand, action, damage, loss, cost or
    										expense, including without limitation reasonable attorneys’ fees, arising out or relating to (a) your
    										use of, or conduct in connection with, our Services; (b) any Feedback you provide; (c) your violation
    										of these Terms; or (d) your violation of any rights of any other person or entity. If you are obligated
    										to indemnify us, we will have the right, in our sole discretion, to control any action or proceeding
    										(at our expense) and determine whether we wish to settle it.</p>
    								</li>
    								<li>
    									<h3 id="arbitration">Applicable Law; Arbitration</h3>
    									<p>PLEASE READ THE FOLLOWING PARAGRAPH CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE DISPUTES WITH US
    										AND IT LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF.</p>
    									<p>You and Payward agree to arbitrate any dispute arising from these Terms or your use of the Services,
    										except for disputes in which either party seeks equitable and other relief for the alleged unlawful use
    										of copyrights, trademarks, trade names, logos, trade secrets or patents. ARBITRATION PREVENTS YOU FROM
    										SUING IN COURT OR FROM HAVING A JURY TRIAL. You and Payward agree to notify each other in writing of
    										any dispute within thirty (30) days of when it arises. Notice to Payward shall be sent to <a
    										 data-testid="site-link" href="mailto:admin@qtglobal.cc">admin@qtglobal.cc</a>. You and Payward further
    										agree: (a) to attempt informal resolution prior to any demand for arbitration; (b) that any arbitration
    										will occur in San Francisco, California; (c) that arbitration will be conducted confidentially by a
    										single arbitrator in accordance with the rules of JAMS; and (d) that the state or federal courts in San
    										Francisco, California have exclusive jurisdiction over any appeals of an arbitration award and over any
    										suit between the parties not subject to arbitration. Other than class procedures and remedies discussed
    										below, the arbitrator has the authority to grant any remedy that would otherwise be available in court.
    										Any dispute between the parties will be governed by these Terms and the laws of the State of California
    										and applicable United States law, without giving effect to any conflict of laws principles that may
    										provide for the application of the law of another jurisdiction. Whether the dispute is heard in
    										arbitration or in court, you and Payward will not commence against the other a class action, class
    										arbitration or representative action or proceeding.</p>
    								</li>
    								<li>
    									<h3>Miscellaneous</h3>
    									<ol>
    										<li><strong>Entire Agreement; Order of Precedence.</strong> These Terms contain the entire agreement,
    											and supersede all prior and contemporaneous understandings between the parties regarding the Services.
    											These Terms do not alter the terms or conditions of any other electronic or written agreement you may
    											have with Payward for the Services or for any other Payward product or service or otherwise. In the
    											event of any conflict between these Terms and any other agreement you may have with Payward, the terms
    											of that other agreement will control only if these Terms are specifically identified and declared to
    											be overridden by such other agreement.</li>
    										<li><strong>Amendment.</strong> We reserve the right to make changes or modifications to these Terms
    											from time to time, in our sole discretion. If we make changes to these Terms, we will provide you with
    											notice of such changes, such as by sending an email, providing notice on the homepage of the Site
    											and/or by posting the amended Terms via the applicable Payward websites and mobile applications and
    											updating the &quot;Last Updated&quot; date at the top of these Terms. The amended Terms will be deemed
    											effective immediately upon posting for any new users of the Services. In all other cases, the amended
    											Terms will become effective for preexisting users upon the earlier of either: (i) the date users click
    											or press a button to accept such changes, or (ii) continued use of our Services 30 days after Payward
    											provides notice of such changes.  Any amended Terms will apply prospectively to use of the Services
    											after such changes become effective. If you do not agree to any amended Terms, you must discontinue
    											using our Services and contact us to terminate your account.</li>
    										<li><strong>Waiver.</strong> Our failure or delay in exercising any right, power or privilege under
    											these Terms shall not operate as a waiver thereof.</li>
    										<li><strong>Severability.</strong> The invalidity or unenforceability of any of these Terms shall not
    											affect the validity or enforceability of any other of these Terms, all of which shall remain in full
    											force and effect.</li>
    										<li><strong>Force Majeure Events.</strong> Payward shall not be liable for (1) any inaccuracy, error,
    											delay in, or omission of (i) any information, or (ii) the transmission or delivery of information; (2)
    											any loss or damage arising from any event beyond Payward&#x27;s reasonable control, including but not
    											limited to flood, extraordinary weather conditions, earthquake, or other act of God, fire, war,
    											insurrection, riot, labor dispute, accident, action of government, communications, power failure, or
    											equipment or software malfunction or any other cause beyond Payward&#x27;s reasonable control (each, a
    											&quot;<strong>Force Majeure Event</strong>&quot;).</li>
    										<li><strong>Assignment.</strong> You may not assign or transfer any of your rights or obligations under
    											these Terms without prior written consent from Payward, including by operation of law or in connection
    											with any change of control. Payward may assign or transfer any or all of its rights under these Terms,
    											in whole or in part, without obtaining your consent or approval.</li>
    										<li><strong>Headings.</strong> Headings of sections are for convenience only and shall not be used to
    											limit or construe such sections.</li>
    										<li><strong>Survival.</strong> Sections 2 (Eligibility), Section 3 (QtGlobal Account), 8 (Risk
    											Disclosure), 10 (Fees), 12 (Unclaimed Property), 14 (Feedback), 15 (Copyrights), 16 (Trademarks), 17
    											(Third-Party Content), 20 (Disclaimer of Warranties), 21 (Limitation of Liability); 22 (Indemnity), 23
    											(Applicable Law; Arbitration) and this Section 24 (Miscellaneous) shall survive any termination or
    											expiration of these Terms.</li>
    									</ol>
    								</li>
    								<li>
    									<h3>Jurisdiction-specific Legal Disclosures</h3>
    									<p>QtGlobal maintains licenses and registrations in certain jurisdictions to provide you our Services.
    										These licenses or registrations may impact our provision and your use of our services depending on
    										where you live or are domiciled. Information regarding certain of QtGlobal’s licenses and registrations,
    										or lack thereof, and corresponding disclosures can be found on the QtGlobal
    											Legal Disclosures page, which is incorporated into these Terms by reference. By creating a QtGlobal
    										account, you acknowledge that you have read, understand and agree to those disclosures that are
    										applicable to you.</p>
    								</li>
    							</ol>
    							<h2> </h2>
    							<h2 id="margin-disclosure-statement">Margin Disclosure Statement</h2>
    							<p>We are furnishing this document to you to provide some basic facts about purchasing digital assets or
    								legal tender on margin, and to alert you to the risks involved with trading assets in a margin account.
    								Before trading assets in a margin account, you should carefully review this margin disclosure statement.
    								Please contact us through support http://www.qtglobal.net regarding
    								any questions or concerns you may have with your margin accounts.</p>
    							<p>When you purchase digital assets for legal tender or vice versa, you may pay in full with your own
    								funds or by posting assets in your account as collateral, with funds provided by Payward to you pursuant
    								to an extension of margin. If the collateral supporting your extension of margin declines in value by an
    								amount specified by Payward, you authorize Payward to issue a margin call and/or sell assets in your
    								account, in order to maintain equity in the account that meets or exceeds the minimum maintenance margin
    								requirement.</p>
    							<p>It is important that you fully understand the unique risks involved in trading assets using extensions
    								of margin before determining whether such trading is appropriate for you. These risks include the
    								following:</p>
    							<ul>
    								<li><strong>Using margin to support spot transactions poses a high degree of financial risk and is not
    										suitable for everyone.</strong> The use of leverage can work against you as well as for you and can
    									lead to large losses as well as gains. You should examine your financial objectives, financial resources
    									and risk tolerance to determine whether receiving extensions of margin secured by the assets in your
    									QtGlobal Account is appropriate for you.</li>
    								<li><strong>You can rapidly lose all of the funds you deposit for trading and may lose more funds than
    										you deposit in your QtGlobal account.</strong> The prices of digital assets are highly volatile and a
    									decline in the value of assets that are purchased or sold on margin may require you to provide
    									additional funds to us, on short notice or with no notice, to avoid the automatic liquidation of assets
    									in your account(s).</li>
    								<li><strong>You authorize us to sell assets in your account without further notice to you.</strong> If
    									the equity in your account falls below our maintenance margin requirements, you authorize Payward
    									to sell assets in your account to cover the margin deficiency. You will be responsible for any shortfall
    									in the account after such a sale. As Digital Asset markets are open 24 hours a day, 7 days a week,
    									margin calls and liquidations may occur at any time, including outside of normal business hours.</li>
    								<li><strong>You authorize us to sell your assets without contacting you.</strong> Do not mistakenly
    									believe that we must contact you for a margin call to be valid, and that we may not liquidate assets in
    									your account unless we have contacted you first. This is not the case. We will attempt to notify you of
    									margin calls, but we are not required to do so. Moreover, even if we have contacted you and provided a
    									specific date by which you must meet a margin call, we may still immediately sell assets in your account
    									without notice to you and without waiting for the specific date to meet a margin call.</li>
    								<li><strong>We can increase maintenance margin requirements with advance notice. </strong>The maintenance
    									margin requirements may result in the issuance of a maintenance margin call. Your failure to satisfy the
    									call may cause us to liquidate or sell assets in your account(s). We are not responsible for delays in
    									the release of funds intended to satisfy the call, including but not limited to internal holds on funds
    									exceeding verification limits, delays in the transfer of funds from external accounts maintained by
    									third-party financial institutions, and failure of proper routing of funds through financial networks.
    									The funds will not count towards meeting the maintenance margin requirements until the funds are
    									released.</li>
    								<li><strong>You are not entitled to an extension of time on a margin call. </strong>While Payward might
    									grant you an extension of time to meet margin requirements under certain conditions, you do not have a
    									right to the extension.</li>
    								<li><strong>Customers with accounts registered in the United States are limited to a 28-day maximum term
    										for maintaining open margin positions.</strong> You are expected to keep track of your margin positions
    									and fully settle the positions (or otherwise terminate the margin extension related to the margin
    									positions) within 28 days. The 28-day term is fixed and cannot be extended. If you do not terminate the
    									margin extension within the 28-day period, you authorize and instruct us to, without further notice to
    									you, either (a) sell your margined assets and apply the proceeds to the termination of the margin
    									extension and/or (b) liquidate other assets in your account, in the manner and amount we deem reasonable
    									practicable in order to terminate your margin extension in full.</li>
    							</ul>
    							<h2> </h2>
    							<h2 id="margin-disclosure-statement">Annex A</h2>
    							<h3>ADDENDUM: SYNAPSEPAY TERMS</h3>
    							<p>Electronic Fund Transfers (&quot;EFTs&quot;) and Account Balances. By creating a QtGlobal Account and
    								initiating bank deposits or withdrawals (i.e., EFTs), you agree to the terms of service and privacy
    								policy of our financial software provider, SynapsePay, and SynapsePay financial institution partner’s
    								Terms of Service &amp; Privacy Policy (https://synapsepay.com/legal)
    								(“SynapsePay TOS”) which are incorporated herein by reference. Terms not defined in this section shall be
    								defined in SynapsePay TOS.</p>
    							<p>The Company has partnered with SynapsePay, a financial services software company, to offer you EFTs.
    								When you create a QtGlobal Account, you may also be prompted to sign up for a SynapsePay User Account (as
    								defined in SynapsePay TOS). You authorize the Company to share your identity and banking information with
    								SynapsePay to open and support your QtGlobal Account as further detailed in our Privacy Policy and
    								SynapsePay’s Privacy Policy (https://synapsepay.com/legal).
    								It is your responsibility to make sure the data you provide us is accurate and complete. Additionally,
    								you are responsible for complying with SynapsePay TOS when using your User Account. IT IS YOUR
    								RESPONSIBILITY TO READ AND UNDERSTAND THE SYNAPSEPAY TOS, AS IT CONTAINS TERMS AND CONDITIONS RELATING TO
    								YOUR SYNAPSEPAY USER ACCOUNT, INCLUDING BUT NOT LIMITED TO YOUR RIGHTS, LIMITATIONS, REVERSAL AND OTHER
    								LIABILITIES, LIMITATION OF LIABILITY AND BINDING ARBITRATION PROVISIONS.</p>
    							<h2> </h2>
    							<h2 id="margin-disclosure-statement">Annex B</h2>
    							<h3>ADDENDUM: Crypto Facilities Ltd</h3>
    							<p>The Company has partnered with Crypto Facilities Ltd (https://www.cryptofacilities.com/)
    								for derivative exchange services. We may use and share your information with Crypto Facilities Ltd and
    								other Payward Entities. This information is used by them and us to assess and process applications,
    								provide you with products and services and manage their (or our) relationship with you and/or as part of
    								a sale, reorganization, transfer or other transaction relating to our business; and, understand our
    								clients preferences, expectations and financial history in order to improve the products and services we
    								offer.</p>
    							<p>You authorize the Company to share your identity and banking information with Crypto Facilities to open
    								and support a membership with Crypto Facilities, as further detailed in our Privacy Policy and Crypto
    								Facilities’ Privacy Policy (https://www.cryptofacilities.com/privacy-policy).
    								It is your responsibility to make sure the data you provide us is accurate and complete. Additionally,
    								you are responsible for complying with Crypto Facilities Membership Agreement (https://www.cryptofacilities.com/membership-agreement)
    								when using their services. IT IS YOUR RESPONSIBILITY TO READ AND UNDERSTAND THE CRYPTO FACILITIES
    								MEMBERSHIP AGREEMENT.</p>
    							<p> </p>
    							<h2>Annex C</h2>
    							<h3>ADDENDUM: Staking Services (&quot;Staking Addendum&quot;)</h3>
    							<p><strong>1.1. General.</strong>  The Staking Services may be made available by QtGlobal to users that
    								fulfill the eligibility criteria in the Terms of Service.  By using the Staking Services, you agree that
    								you have read, understand, and accept all of the terms in this Staking Addendum.  You further agree and
    								understand that this Staking Addendum is subject to the terms and conditions set forth in the Terms of
    								Service. </p>
    							<p><strong>1.2. Staking Services. </strong> When you buy or hold one of the Digital Assets eligible for
    								staking (the “Supported Coins”), you are consenting to such Supported Coins being staked in part or in
    								entirety by QtGlobal, or a third party on behalf of QtGlobal, in QtGlobal’s sole discretion (the “Staking
    								Services”).  Please refer to your QtGlobal Account for further information regarding the Staking Services. </p>
    							<p><strong>1.3. Opting into Staking Services &amp; Staking Reward Terms.</strong>  In order to use the
    								Staking Services, you must opt-in by selecting the Supported Coins to stake from your QtGlobal Account.  By
    								opting-in a portion or your entire balance of Supported Coins, we shall remit to you the applicable
    								percentage of staking rewards attributable to your staked Supported Coins (“Staking Rewards”) as detailed
    								in your QtGlobal Account.  The percentage and timing of such remittances will: (i) be determined by QtGlobal
    								in its sole discretion; (ii) be subject to QtGlobal’s staking fee;<br />
    								(iii) vary by the Supported Protocol; and (iv) be further detailed in your QtGlobal Account.  <strong>You
    									agree and understand that QtGlobal does not guarantee that you will receive Staking Rewards and that the
    									applicable percentage of Staking Rewards (i) is an estimate only and not guaranteed, (ii) may change at
    									any time in QtGlobal’s sole discretion, and (iii) may be more or less than the actual Staking Rewards
    									QtGlobal receives from the Supported Protocol.</strong> </p>
    							<p><strong>1.4. Slashing Penalty. </strong> A determination by the Supported Protocol that the Staking
    								Service has been erroneously operated may result in a “slashing penalty” and non-payment of the specified
    								Staking Rewards.  QtGlobal agrees to compensate you for any slashing penalties to the extent such penalties
    								are not a result of (i) your acts or omissions, (ii) Supported Protocol maintenance, bugs, or errors,
    								(iii) acts by a hacker or other malicious actor, or (iv) Force Majeure Events.  </p>
    							<p><strong>1.5. No Guarantee of Staking Services.</strong> While QtGlobal employs measures to ensure that
    								the Staking Services are accessible 24 hours a day and 7 days a week, QtGlobal cannot guarantee
    								uninterrupted or error-free operation of the Staking Services or that QtGlobal will correct all defects or
    								prevent third-party disruptions or unauthorized third party access.  In the event of such disruptions,
    								any staked Supported Coins may not be generating the Staking Rewards. </p>
    							<p> </p>
    							<h2>Annex D</h2>
    							<h3>ADDENDUM: Off-chain Staking Services</h3>
    							<p>Payward Trading Limited, a British Virgin Islands company (“Payward Trading” and, together with any
    								other Payward entity providing you Services under the Terms (as defined herein), “QtGlobal,” “we” or “us”)
    								provides you the option to contribute and earn rewards on eligible, available and idle account balances
    								you otherwise maintain in your QtGlobal Account (the “Off-chain Staking Program”) subject to the terms and
    								conditions of this Annex D (this “Addendum”).</p>
    							<p>This Addendum incorporates by reference and supplements the Terms of Service (the “Terms”). Capitalized
    								terms used but not defined herein shall have the meanings given to them in the Terms. In the event of a
    								conflict between the Terms and this Addendum with respect to the Off-chain Staking Program, the terms of
    								this Addendum will control.</p>
    							<p>NO QtGlobal ENTITY IS A BANK OR OTHER DEPOSITORY INSTITUTION. YOUR QtGlobal ACCOUNT IS NOT A DEPOSIT
    								ACCOUNT OR A BANK ACCOUNT. THE OFF-CHAIN STAKING PROGRAM IS NOT A DEPOSITORY OR BANK PROGRAM. NEITHER
    								YOUR QtGlobal ACCOUNT NOR STAKED ASSETS (AS DEFINED HEREIN) ARE COVERED BY INSURANCE AGAINST LOSSES OR
    								SUBJECT TO FEDERAL DEPOSIT INSURANCE CORPORATION (“FDIC”) OR SECURITIES INVESTOR PROTECTION CORPORATION
    								(“SIPC”) PROTECTIONS OR THE PROTECTIONS OF ANY COMPARABLE ORGANIZATION ANYWHERE IN THE WORLD.</p>
    							<p><strong>1. The Off-chain Staking Program.</strong></p>
    							<p>(a) <em>The Off-chain Staking Program is a separate service from the Staking Services described in
    									Annex C to the Terms</em>.  The Staking Services allow (i) QtGlobal or a third party acting on QtGlobal’s
    								behalf to use Supported Coins as collateral in connection with validating transactions on applicable
    								Proof-of-Stake networks and (ii) eligible QtGlobal clients to opt-in to receive a portion of the rewards
    								generated by these transaction validation activities. The Off-chain Staking Program allows you to
    								contribute Available Assets (as defined herein) to us in exchange for the opportunity to earn Rewards (as
    								defined herein).</p>
    							<p>(b) <em>Eligible Assets</em>.  A list of assets that are currently eligible for use in the Off-chain
    								Staking Program is available at http://www.qtglobal.net
    								(each an “Eligible Asset” and collectively, “Eligible Assets”). We may decide to add or remove assets
    								from the list of Eligible Assets at any time in our sole discretion.</p>
    							<p>(c) <em>Eligible participants</em>.  The Off-chain Staking Program may be made available by QtGlobal to
    								users who fulfil the eligibility criteria of the Terms; provided, however, that you may not use the
    								Off-chain Staking Program if you are located in or a national or resident of: (i) any Restricted
    								Location; (ii) Australia, Canada, Denmark, Finland, France, Germany, Hong Kong, Italy, Japan, Luxembourg,
    								Netherlands, Singapore, Sweden, the United Arab Emirates, the United Kingdom or the United States; (iii)
    								any jurisdiction in which QtGlobal is not authorized to provide the Off-chain Staking Program; or (iv) any
    								jurisdiction where your use of the Off-chain Staking Program would be illegal or otherwise violate any
    								applicable law or regulation of that jurisdiction (each of the above locations, a “Restricted
    								Jurisdiction”).</p>
    							<p>QtGlobal MAKES NO REPRESENTATION OR WARRANTY THAT THE OFF-CHAIN STAKING PROGRAM IS APPROPRIATE FOR USE IN
    								ALL LOCATIONS, OR THAT THE TRANSACTIONS AND SERVICES DESCRIBED HEREIN ARE AVAILABLE OR APPROPRIATE FOR
    								ENTRY INTO OR USE IN ALL JURISDICTIONS OR BY ALL PARTIES. YOU SHOULD INFORM YOURSELF AS TO THE LEGAL
    								REQUIREMENTS AND TAX CONSEQUENCES OF USING THE OFF-CHAIN STAKING PROGRAM WITHIN ALL JURISDICTIONS
    								APPLICABLE TO YOU. QtGlobal IS NOT RESPONSIBLE FOR TAX CONSEQUENCES TO YOU OF PARTICIPATING IN THE
    								OFF-CHAIN STAKING PROGRAM.</p>
    							<p><strong>2. Contributions.</strong></p>
    							<p>(a) You may contribute Available Assets to the Off-chain Staking Program by selecting the amount and
    								type of Available Assets you wish to “stake” from your QtGlobal Account.</p>
    							<p>(b) You agree to only contribute Eligible Assets to the Off-chain Staking Program that comprise
    								available and idle account balances that you initially deposited into your QtGlobal Account for the purpose
    								of trading Legal Tender and Digital Assets on the QtGlobal exchange and not for participation in the
    								Off-chain Staking Program (such Eligible Assets, “Available Assets”).</p>
    							<p>(c) Assets you contribute to the Off-chain Staking Program (“Staked Assets”) will be treated as
    								received when displayed as such on the QtGlobal website; provided, that we reserve the right to:  (i)
    								reject or remove any contribution from the program; (ii) establish minimum or maximum contribution
    								amounts; or (iii) return any Staked Assets, at any time and in our sole discretion. In the event we elect
    								to return Staked Assets to you pursuant to this Section 2(c), you agree to promptly Un-stake (as defined
    								herein) the assets and to undertake any other actions we reasonably request in order to facilitate that
    								return. You may not transfer Staked Assets or any interest in Staked Assets prior to Un-staking those
    								assets.</p>
    							<p>(d) You remain the lawful and beneficial owner of Staked Assets and the beneficial owner of additional
    								assets resulting from any applicable (i) network fork that is supported by QtGlobal and (ii) airdrop or
    								similar distribution of Digital Assets that is supported by QtGlobal; provided, that QtGlobal retains sole
    								discretion and has no obligation to support any particular forks, airdrops or similar distribution and
    								such support remains in all instances subject to the Terms.</p>
    							<p><strong>3. Rewards.</strong></p>
    							<p>(a) You may earn rewards on Staked Assets (“Rewards”). Rewards are not guaranteed and the rates and
    								timing of Rewards may vary.</p>
    							<p>(b) Rewards, if any, will be paid to you by Payward Trading, and shall be subject to tax withholding
    								and reporting as required by applicable law.</p>
    							<p>(c) Reward rates will be determined in our sole discretion based on the type of Staked Asset, market
    								conditions and risk factors. Such rates have no relationship to and may not be competitive with benchmark
    								interest rates observed in the market for bank deposit accounts.</p>
    							<p>(d) We may make available anticipated Reward rates and payment schedules from time to time on or
    								through the Services (“Anticipated Rates”). Anticipated Rates are forward-looking statements that reflect
    								current expectations regarding future events, involve significant risks and uncertainties, should not be
    								read as guarantees of future performance or results and will not necessarily be accurate indications of
    								whether or not such performance or results will be achieved. Forward-looking statements are in no way a
    								form of advice, solicitation or offering of or for the Off-chain Staking Program and should not be
    								interpreted as such.</p>
    							<p>(e) All Rewards will be (i) paid to your QtGlobal Account in the same asset as the applicable Staked
    								Asset, then (ii) automatically contributed to the Off-chain Staking Program, whereupon they will be
    								eligible to earn Rewards. In this manner, Rewards may be described as “compounding.”</p>
    							<p>(f) Rewards will be calculated and paid with the decimal precision described at http://www.qtglobal.net,
    								as may be updated by us from time to time in our sole discretion.</p>
    							<p><strong>4. Un-staking.</strong></p>
    							<p>(a) You may request a complete or partial return of your Staked Assets (“Un-stake”) at any time. Upon
    								receipt of your request, we will initiate the Un-staking process instantly when practicable; provided,
    								that we may require up to seven days after you submit your request to Un-stake to process the
    								transaction. Un-staking limits based on frequency or volume may apply from time to time and will be
    								described on or through the Services.</p>
    							<p>(b) You must Un-stake Staked Assets before you will be able to push those Funds to an External Account.</p>
    							<p><strong>5. Our use of Staked Assets.</strong></p>
    							<p>You grant us the right, to the fullest extent that we may effectively do so under applicable law and
    								without further notice to you, to utilize Staked Assets in our discretion; provided, that the quantity
    								and type of your Staked Assets will be returned to you when you Un-stake in accordance with the terms of
    								this Addendum.</p>
    							<p><strong>6. Risks.</strong></p>
    							<p>The Off-chain Staking Program is risky. Before participating in the Off-chain Staking Program, it is
    								important to understand its specific and unique risks. The Staking Program is not for everyone. You
    								should examine your objectives, financial resources and risk tolerance to determine whether contributing
    								Funds to the Off-chain Staking Program is appropriate for you. Some, but not all, of the risks and
    								uncertainties associated with the Off-chain Staking Program are:</p>
    							<p>(a) No QtGlobal entity is or is regulated as a bank or other depository institution. Your QtGlobal Account
    								is not a deposit account or a bank account. The Off-chain Staking Program is not a depository or bank
    								program. Staked Assets are not covered by insurance against losses or subject to FDIC or SIPC protections
    								or the protections of any comparable organization anywhere in the world.</p>
    							<p>(b) QtGlobal does not offer securities services, is not registered under the securities laws of any
    								jurisdiction and the provision of the Off-chain Staking Program has not been and will not be registered
    								under the securities laws of any jurisdiction or otherwise approved by securities regulators in any
    								jurisdiction.</p>
    							<p>(c) Legislative and regulatory changes or actions at the state, federal or international level may
    								adversely affect:  (i) the use, transfer, and value of Staked Assets; (ii) the operations and
    								profitability of the Off-chain Staking Program; (iii) the tax treatment of the Off-chain Staking Program;
    								and (iv) your ability to Un-stake Staked Assets in a timely manner or at all.</p>
    							<p>(d) Rewards for Staked Assets are not guaranteed and we reserve the right to adjust Reward rates in our
    								sole discretion.</p>
    							<p><strong>7. Fees.</strong></p>
    							<p>We reserve the right to charge you fees in connection with your participation in the Off-chain Staking
    								Program. A schedule of these fees, if any, will be made available on or through the Services (“Fees”).
    								Fees are subject to change, at our sole discretion, and you are solely responsible for accessing the fee
    								schedule prior to participating in the Off-chain Staking Program.</p>
    							<p><strong>8. Representations and Warranties.</strong></p>
    							<p>You represent and warrant that, as of the Effective Date and as of any date thereafter that you
    								contribute Funds to the Off-chain Staking Program:</p>
    							<p>(a) You have full power and authority to agree to this Addendum and, in doing so, will not violate any
    								other agreement to which you are a party;</p>
    							<p>(b) The provisions of this Addendum constitute legal, valid and binding obligations enforceable against
    								you in accordance with its terms;</p>
    							<p>(c) You are eligible to participate in the Off-chain Staking Program as provided in Section 1(c);</p>
    							<p>(d) You do not reside in and are not a citizen of a Restricted Jurisdiction;</p>
    							<p>(e) You were not, in any manner or form, solicited to participate in the Off-chain Staking Program
    								prior to (i) your creation of a QtGlobal Account or (ii) your election to participate in the Off-chain
    								Staking Program;</p>
    							<p>(f) All assets you will contribute to the Off-chain Staking Program are Available Assets;</p>
    							<p>(g) You:  (i) have read and understand this Addendum in its entirety; (ii) acknowledge and accept the
    								risks associated with participating in the Off-chain Staking Program, including those risks described in
    								Section 6; and (iii) were given the opportunity to ask questions of and receive answers from us
    								concerning the terms and conditions of the Off-chain Staking Program prior to participating or agreeing
    								to participate; and</p>
    							<p>(h) All representations and warranties you made upon your acceptance of the Terms were and remain true
    								and complete.</p>
    							<p><strong>9. No advice; Independent relationship. </strong></p>
    							<p>(a) Without limiting anything in the Terms, QtGlobal makes no representation or warranty, express or
    								implied, to the full extent not prohibited by applicable law, regarding the advisability of your
    								participation in the Off-chain Staking Program. Neither QtGlobal, nor any of its respective officers,
    								directors, employees and affiliates is providing advice, including legal, financial, investment or tax
    								advice, in connection with the Off-chain Staking Program or your determination to participate in it.</p>
    							<p>(b) Nothing in this Addendum shall be deemed or is intended to be deemed, nor shall it cause, you and
    								QtGlobal to be treated as partners, joint venturers, or otherwise as joint associates for profit. QtGlobal in
    								no way acts in any fiduciary capacity or advisory capacity to you and nothing in this Addendum shall be
    								deemed or is intended to be deemed, nor shall it cause, any fiduciary or advisory relationship between
    								you and us to exist.</p>
    							<p> </p>
    							<h2>Annex E</h2>
    							<h3>ADDENDUM: Instant Buy/Sell Services (“Instant Buy/Sell Addendum”)</h3>
    							<p><strong>1.1 General.</strong> QtGlobal may make the Instant Buy/Sell Services to users that meet the
    								eligibility criteria in the Terms of Service. Your use of the Instant Buy/Sell Services, confirms that
    								you have read, understand, and accept all of the terms in this Instant Buy/Sell Addendum. This Instant
    								Buy/Sell Addendum is subject to the terms and conditions, as they may be updated from time to time, set
    								forth in the Terms of Service.</p>
    							<p><strong>1.2 Instant Buy/Sell Services.</strong> You may use the Instant Buy/Sell Services to buy, sell,
    								or convert between Digital Assets and/or Fiat Currency. Your use of the Instant Buy/Sell Services must
    								comply with the relevant instructions on the QtGlobal Exchange. If QtGlobal cannot complete your transaction
    								for any reason (such as price movement, failure of the QtGlobal Exchange to respond, or an order exceeding
    								the minimum or maximum order size), QtGlobal may reject the order and notify you of such rejection. QtGlobal
    								bears no liability for rejecting an Instant Buy/Sell transaction.</p>
    							<p><strong>1.3 Transaction Price.</strong> You will be presented with a price valid only during a specific
    								time period when initiating a transaction. QtGlobal may cancel any transaction not confirmed by you within
    								the time period.</p>
    							<p><strong>1.4 Fees.</strong> Transactions using the Instant Buy/Sell Services are subject to fees. You
    								are presented with the applicable fees before entering into the transaction. Your confirmation of the
    								transaction constitutes agreement to pay all such applicable fees. You will not be charged any such fees
    								in the unlikely event your transaction is rejected.</p>
    							<p><strong>1.5 No Guarantee of Instant Buy/Sell Services.</strong> While QtGlobal employs measures to ensure
    								that the Instant Buy/Sell Services are accessible 24 hours a day and 7 days a week, QtGlobal cannot
    								guarantee uninterrupted or error-free operation of the Instant Buy/Sell Services or that QtGlobal will
    								correct all defects or prevent third-party disruptions or unauthorized third party access. QtGlobal may at
    								its sole discretion reject any pending transaction, whether confirmed by the user or not, in the event of
    								such disruptions. QtGlobal bears no liability for rejecting an Instant Buy/Sell transaction.
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